If you are not at fault, you may be entitled to Accident Benefits from ICBC and settlement payments from the other driver. The at-fault motorist's insurance could pay for your vehicle repairs, rental car or reimbursement.
Accident Benefits are available to almost everybody in British Columbia who is injured in a motor vehicle crash-no matter who is at fault.
If you are injured, you may claim settlement payments for:
Find out more about settling your claim.
The damage to your vehicle will be covered first by your Collision coverage, then by the other driver's insurance. In addition, Accident Benefits are available to almost everybody in British Columbia who is injured in a motor vehicle accident - no matter who is at fault.
When the other driver is at-fault, your deductible may be reimbursed or waived.
If you are a victim in a hit-and-run claim, you are covered up to a maximum of $200,000 for damages and injuries.
Hit-and-run claims are not available for crashes on private driveways and private underground parking areas. Talk to your adjuster for details.
If the at-fault driver has no insurance for a crash in B.C., you could be covered up to $200,000 in settlement payments. Talk to your adjuster for more details.
Basic Autoplan insurance protects you and your passengers for up to $1 million. It also covers anyone in your household if they're hit as a pedestrian or cyclist.
You can buy up to a total UMP limit of $2 million, $3 million, $4 million or $5 million to protect yourself and your family. Talk to your Autoplan Broker about the coverage that is right for you.
If you have valid collision coverage, damage to your vehicle will be covered by your policy when you pay your deductible. If the out-of-province insurance company accepts liability then we may be able to waive your deductible.
If you don't have collision coverage with ICBC, you will need to contact the at-fault driver's insurance company to pay for your repairs and out-of-pocket expenses. For your best chances of coverage, through ICBC or another insurance company, visit crashes involving out-of-province vehicles for a full list of information you should collect when in a crash.
If your crash happened outside B.C., we are obligated to follow the motor vehicle laws in that jurisdiction for liability and accident benefits. Please talk to your adjuster for more details.